You seem to be refusing to deal with one of the dip buying scenarios that I attempt to describe in my post, which is some form of systematic dip buying that is already pre-planned.. and sure of course, it has trade offs and might not even be a good idea, yet it surely is not the less systematic and/or gut feeling dip buying scenario that you seem to be describing and even seeming to be suggesting that I was accepting of such a non-systematic dip buying practice.


First: You messed up in your quoting of my earlier post, so I fixed that above.  You could go back and fix your original quoting of my post.

Second. What you describe might work, but really you are dividing 50/50 for buying right away versus buying dips, and that seems way too much to be setting aside for buying dips, especially for anyone early in their bitcoin accumulation phase.

When you guy right away with your DCA every week ($20 in your example), there is is hardly any ambiguity since presumptively you would be buying the $20 worth of bitcoin every week no matter what (as long as you have the $50 available from your discretionary), yet you could still attempt to strategize within the week to buy at cheaper prices - depending on where you are buying (on an exchange presumptively?). 

With dip money, your parameters can be quite varied, and if your parameters are somewhat strict, then your dip buying money would build up until the parameters are fulfilled.  If your parameters are not very strict on the dip buying then maybe you just end up buying $40 nearly every week since the extra $20 might end up getting used rather than building up each week with a new $20 added to the dip buying fund... so sure, devil is in the details whether you need a 5% dip or 10% dip or some other number before some or all of the money in your dip buying fund would be triggered.

Regarding your emergency funds, presumptively you would be using that money to build and/or add to emergency funds, so if your total expenses per month are somewhere in the ballpark of $400, then you would be working to get your emergency funds up to $1,200 (3 months), yet there may not be any need to grow your emergency funds greater than the amount you put into bitcoin, so with your bitcoin investment rate of perhaps up to $40 per week, it would take you right around 30 weeks to get the amount that you invested into bitcoin up to $1,200, and surely if you already have money in some kind of a cash fund (emergency fund - maybe $300 or so at the time you started your bitcoin investment), then maybe it seems reasonable to add $10 per week to your emergency funds yet at the rate of $10 per week (presuming that you are not using the emergency funds), then it still would take you right around 90 weeks to get your emergency funds up to $1,200, which I would consider a potentially reasonable trade off. even without knowing other potentially relevant details of your finances..


Personally, I still consider that it would be better for you to figure out what your dip criteria would be, since if you end up waiting even 6 months, your $20 every week is stacking up and pretty soon you have $520 ($20 X 26) in your dip buying funds, and that money could have had been in bitcoin rather than sitting on the sidelines...and sure, of course, that is your choice to figure out your criteria and the balance that you should be striking.

I have stated many times that guys in their very early stages are likely better off to be buying every single week no matter what, and to be fairly conservative with any money that they are holding back for dip buying.. and even within each week a guy can try to buy the dip within the week but on a certain day if no dip comes he is going to need to just buy with his weekly authorized amount because there is entering into a new week with a new authorized amount coming available for the new week.

Sure, of course, you have to figure out what you believe is the right balance for you, which may or may not end up serving your objectives if you end up making mistakes with it.. but that is on you.


In some sense, if you figure out a weekly budget, or even if you tell yourself that you are going to invest $520 no matter what into bitcoin over then next 6 months, then you can divide that into 26 to get $20 per week.. and you can also tell yourself that you are going to set aside $20 per week for buying dip and $10 per week for putting into your emergency fund, and you could have a tentative goal for where you might be in 6 months and then do the same for the next 6 months (or something similar) and perhaps tweaking your approach from time to time,  etc etc etc..

You also might have some ideas about your expected budget, yet you also might have some expectations that 2-3 times every year, you run into situations where you end up making (or receiving) some kind of a bonus amount of cash coming in and maybe sometimes that is $200 but it could be as large as $1,200, so even if you know that these are irregular kinds of occasions, yet if you already have bitcoin investment systems in place, then you surely would have some abilities to authorized certain large chunks of the bonus amounts to be invested into bitcoin and/or your buying on dips funds, and/or your emergency funds... So surely, guys who already have bitcoin investing systems and even bitcoin buying prioritizing in place, they may well end up identifying some of their future cashflows as being eligible to be plugged into aspects of their bitcoin buying systems.


Maybe if a guy invested $2k into bitcoin at the start of the thread, which would have resulted in nearly 0.03 BTC, and then he would have had been investing $100 per week into bitcoin since February 1 until April 11, 2025 (presuming he keeps investing but the website has not been updated).. Then that would have had been an additional $11.5k invested with 0.2663 BTC accumulated, so that would be a total of $13.5k invested and nearly 0.3 BTC accumulated. 

By the way currently 0.3 BTC would have a 200-WMA value of $15k and a spot price value of nearly $36k... so surely not a bad place to be for someone who might want to continue to invest at $100 per week and perhaps invest additional amounts from time to time, if his discretionary income permits. 

Wealth building can take a decently long time, even with bitcoin, yet a person who might have started to fairly aggressively accumulate bitcoin at the beginning of this thread (even though it was seeming to be close to a then top) would be in a fairly good position right now in terms of his bitcoin stash after a little less than 2.5 years accumulating.


You give the advice that a gambler would give, and hopefully we are not treating our bitcoin investment like a form of gambling.

Sure, you can use reserve funds to buy bitcoin, yet buying bitcoin is not an emergency, so use of emergency funds to buy bitcoin is irresponsible and failing to exercise discipline over our own classification of funds. 

Surely it could be the case that we have misclassified our emergency funds, and they are really reserve funds, then sure we could use reserve funds for buying bitcoin, yet we still might need to consider how much emergency funds that we minimally need to have in order to not put ourselves in a risky position, and the extent that we do not have sufficient emergency funds, then our bitcoin may well be serving as our emergency funds, which may well end up resulting in our having to use/spend bitcoin at a time that is not completely of our own choosing, since it would be the only funds that we have available.. which surely could be problematic especially if we end up having to sell on some kind of a dip or some kind of a stagnant price location where we should be buying bitcoin rather than selling it.. so sometimes guys who have put themselves in those kinds of situations end up getting greatly recked due to circumstances that might have largely been due to their own causing (their sloppiness).

Don't get me wrong, there could be some rare circumstances where a guy might know that he has good sized income coming in within a week or two, and it is pretty much guaranteed to come through, and he knows that he can replace whatever emergency funds that he uses with such income that is coming in, so in those circumstances he decides to use some portion of his emergency funds to buy bitcoin even though he knows that he is taking chances that his expected income does not come in in the amounts and/or the timeline that he had expected.  It ends up being a short-term calculated risk that he ends up considering to be within what he is willing to partake. .and of course, it could result in negative consequences, yet he thinks that the likelihood is pretty small and contained.


Back up funds is a way of describing emergency funds, reserves and float... so emergency funds is a type of back up funds.


Sure we build up our emergency funds in order to be prepared for any shortage of cash that might come, so if we are investing in bitcoin, then maybe we want to build up our emergency funds to be at least 3 months of our expense at the same time that we might be investing into bitcoin at a similar rate, yet once the emergency funds gets to 3 months of our expenses, we might not necessarily want to build it more, yet we may well expect that we never are going to need to use any of it since it is the last of funds that really shows that we don't have any money left, and guys might get through 20-30  years of investing without ever having to dip into their emergency funds - even though it is there and had been built up and maybe even added to from time to time to account for increases in monthly expenses.


You seem to be describing back up funds as float funds.

You did not even mention reserve funds, which are largely an extension of emergency funds, but reserve funds do not have any restrictions so they can be used to buy bitcoin or consume or to save for some specific items, and of course they could be used for emergencies and/or unexpected expenses or even to cover up mistakes.


You seem to be talking about discretionary funds, yet surely if the discretionary funds are not used right away to buy things or to invest, then they might be considered to be in reserve funds.

But yeah with bitcoin once the money is put into bitcoin, the general idea would be that the money is locked up for 4-10 years or longer, so we have to make sure that we are using money that we do not need for 4-10 years or longer - unless we might do some spend and replace if we might be wanting to support the use of bitcoin.


That is not true.  Discretionary funds are generally considered to be money that comes in each month or each pay period, and it can be used to buy things, invest or to get put into back up funds.. once the money is in the back up funds, whether emergency funds or reserve funds, then it could be taken back out, and surely many of us suggest to not use emergency funds unless you run out of all other money... even though surely there could be various places that money is kept and some locations might be more liquid than others, yet surely if some kind of funds end up being less liquid than expected, then a person might have to draw from other locations, so there can be questions regarding how to hold funds and how much cash to have versus cash in banks versus cash that might be held in other forms, and surely there can be some forms of cash that might be accessible within a few days or even a few weeks, and so how liquid it is can be a fact or in terms of from where money is drawn and how much to keep in those places.. ..

Regarding the float funds, I consider them to be extra funds that might be kept when certain expenses might not be known exactly, so we might have some extra money for food bills and utilities, maybe $200 extra, but then once they are resolved, and if we don't use the whole $200.. then the remaining would go into discretionary funds... and so let's say if we resolve our food bills and utilities and we ended up using $150 of the float, so then the remaining $50 would go in to discretionary income once the expenses are resolved/clarified with certainty.


Of course if we use up all of our various funds and then we tap into our emergency funds, then we have no other funds protecting our bitcoin, so our bitcoin would then be the next thing to use.  The longer that guys are investing and engaging in strong cashflow management practices, the more likely they will learn how to hold funds in various ways in which they intuitively know which funds to spend from first, second and third and come to realize if they are getting low on funds they may well want to start to exercise greater self-imposed restrictions in order to not overly deplete the various kinds of back up funds that they have and perhaps to not even coming close to needing to touch any of their emergency funds for any reason other than an actual emergency or some crazy ass unexpected expense that they have that was way outside of what they expected to be  likely or possible.  By the way, many folks may well know that they have lines of credit that are lined up, so that if they have some very bad situations, they may well be able to quickly tap into some lines of credit that they have, so guys account for their own particular circumstances when considering pecking order of various funds that they have available to them.


A person who has various back up funds is in a strong position to use 100% of his discretionary funds to buy bitcoin, yet usually guys will choose to have other money available so they are not going to use 100% of their discretionary funds, unless maybe they know that they are going to be paid again within a few days, so they don't have any issue using all of their discretionary funds to buy bitcoin.. including that they have their various back up funds.

You Tonimez seems to be classifying all back up funds as if they were discretionary funds, and sure even though the funds were built from discretionary fund money, we do not generally use  the term discretionary funds to describe all of the extra funds (various back up funds) even though they are all available to be used if the person wants to use them all for buying bitcoin or for whatever other purpose that might not have had been within their original intent. In that regard, we can do what we want and even violate our own previously established boundaries.


You seem to be the one convoluting terms, and even the ideas of what are basic expenses versus what are discretionary expenses can be defined differently by people in terms of their establishing what is their discretionary income or their discretionary funds.  Surely some of the ideas overlap, yet we still should try to be careful in terms of our own talking about these matters, since as you suggest, sometimes guys might use terms in confusing ways, and even you seem to be engaging in such confusing frameworks...even though you seem to also understand a lot of the ideas too...but you are likely causing confusion in some of your descriptions as I attempted to address in my above response.


I think that any of us who are trying to figure out how aggressive we can be in regards to our bitcoin investment without over doing it, then we should first be conscious of how strong is our cashflow management systems and practices.  if we have strong emergency funds, such at 3 months of expenses, and perhaps a little bit of reserves (even a couple of weeks), we are likely in a position to be as aggressive as we are able to be, which would be investing 100% of our discretionary income into bitcoin.  If se make mistakes then we have reserve funds to fall back upon without having to tap into our emergency funds.  Surely in most cases we are not going to want to invest 100% of our discretionary income into investing into bitcoin because we likely have other things going on in our lives and we want to have some income available to support other discretionary expenses, yet our level of aggressiveness or whimpiness is a matter of personal choice, and if we are largely in touch with our finances and our psychology, we should be able to figure out a level of aggressiveness that is sufficiently strong, yet without overdoing it... which is likely a good thing for anyone who is in their earliest of years of BTC accumulation, and even potentially anyone who has invested less than 1 years of their income (or their expenses) into bitcoin... and yeas, these are personal choices regarding when any of us might choose to either ramp up or to lessen our levels of bitcoin accumulation aggressiveness.